Search results

  1. Crispy3

    Insurance

    I have LT 60% covered by work but there is a 90 day waiting period.. and I can get ST (through aflac from work) but premium is about $100 a month for about 50% I can't afford universal.. for term life I know I can't go lower than 3M but just wondering if I should split and stagger or just get...
  2. Crispy3

    Mission (almost) Complete!

    can't afford to replace right now and the cabinets are decent so I think refacing is my best option... I was told that it would look brand new. the cost I'm assuming should be around 2-2.5k for about 20 cabinets.
  3. Crispy3

    Insurance

    I'm looking for some advice on insurance... I'm currently 34 and is the only one bringing in income for my family (this is not going to change).. I have a 2 yr old and another on the way. I have about a 1M mortgage.. and as crazy as it sounds.. I have no life insurance. I know I should...
  4. Crispy3

    Mission (almost) Complete!

    ok so I got Tim for Windows and Flooring New York Carpets for carpets USC is gonna hook me up with someone for garage epoxy.. anyone got recommendations for kitchen/bathroom countertop/backsplash and kitchen cabinet refacing? Also can someone recommend a reliable handyman for doing things like...
  5. Crispy3

    how much can we afford a house?

    now if you can only find me a 2000sqft place for 400k in irvine...
  6. Crispy3

    How low can we go? 30 yr fixed at 3.75% with no fees...

    There is a 50 mile radius rule as far as I know...
  7. Crispy3

    how much can we afford a house?

    still... 3x is pretty low.. lets say it's 200k pretax.. you guys believe with 2 kids you should only buy a 600k house?
  8. Crispy3

    how much can we afford a house?

    If I am understanding you guys correctly... if you have 100k take home (post tax) you can only afford a 300k house???
  9. Crispy3

    How low can we go? 30 yr fixed at 3.75% with no fees...

    It doesn't qualify as a secondary cause it's less than 50miles apart from each other... rates on a rental property like USC said is usually a lot more.. in this case it was 1.25 higher than the rate I was trying to refi for... I knew I was going to sell my current place within 2 years so I was...
  10. Crispy3

    Mission (almost) Complete!

    yay! got my offer accepted as of this morn... ended up in West Irvine. Sooooooo relieved after an exhausting 2 years of searching. Having said that.. I need some help. The place needs a lot of work.. here's what I'm looking to do to it prior to moving in. I am hoping someone can throw me some...
  11. Crispy3

    How low can we go? 30 yr fixed at 3.75% with no fees...

    I wish I could but I don't think it can happen (escrow is gonna open tomorrow).. plus I don't want to risk it.. I think it might be fraud.. don't want to get a letter from my lender one day to tell me to pay off the entirety of the loan cause they determined that it was fraud.
  12. Crispy3

    How low can we go? 30 yr fixed at 3.75% with no fees...

    Guess what.. I submitted an offer last night and the seller accepted... gotta cancel the refi on my current place now... The appraisal was just done yesterday... hopefully they'll only charge me a "going out fee" 3.5% with $-2962 towards closing on a high balance conforming seems like the sweet...
  13. Crispy3

    How low can we go? 30 yr fixed at 3.75% with no fees...

    well I got all the docs uploaded already... lets see how it it takes to close... I figure they would be better than going through my regular brokers since they advertise that they are a direct lender
  14. Crispy3

    Northwood Montessori

    23 Month... first thing she does when she wakes up is to climb on our bed and slap me across the face once. Once satisfied, she starts her morning routine of violence  which consists of using my face as playdoh
  15. Crispy3

    How low can we go? 30 yr fixed at 3.75% with no fees...

    Just filled out an application with Amerisave myself to refi... $2.5% with around -200 on fees/costs for a 400ish loan. wondering if I should lock yet... I'll setup the appraisal appointment for thurs/friday and see where rates are then.
  16. Crispy3

    Northwood Montessori

    I am torn on this decision as well... I'm actually scared that my kid will physically harm other kids in the preschool... No idea how she got to be this spoiled and thinks she owns daddy and mommy.
  17. Crispy3

    Car seats and Strollers

    I'll third the Chicco keyfit 30.. we started with a graco snugfit but it just didn't look comfortable for the baby.. we quickly swapped it out and got the Chicco travel system. (the stroller is nice too cause you can put the seat down completely flat and the baby can sleep on his/her back in...
  18. Crispy3

    Listings that pique my interest... feedback?

    Anyone seen this yet ? http://www.redfin.com/CA/Irvine/2-Glorieta-E-92620/home/4784408 Any guesses on what it might sell for?
  19. Crispy3

    3-Car Garage Homes

    Are you kidding me? I would give my left nut for the Grove plan 2....
  20. Crispy3

    3-Car Garage Homes

    I was looking at this one as well.... Lambert Ranch plan 1 is about 900k + 100k upgrades it would be around 1M... El Dorado Mello roos is around $100/Month + $195 HoA = $295 a month LR has no Mello Roos (no 1915 bond?) and HoA = $300 a month the extra 100k on LR means I can get better floor...
Back
Top